SpiceJet Axis Bank Voyage Credit Card Review 2026: SpiceClub Milestones, Lounge Access & FAQs
SpiceJet Axis Bank Voyage Credit Card charges ₹750 and earns SpiceClub Points through annual spend milestones, with 4 complimentary domestic lounge visits a year. What is published, what is not, and FAQs.
SpiceJet Axis Bank Voyage Credit Card is built around SpiceClub Points earned at annual spend milestones, plus 4 complimentary domestic lounge visits a year.
It is an unusually thin card to document, and that is worth saying plainly: Axis publishes the milestone structure in detail but never states a general accrual rate per rupee.
SpiceJet Axis Bank Voyage Credit Card Quick Overview
| **Card type** | Airline co-brand card |
|---|---|
| **Best for** | Regular SpiceJet flyers |
| **Joining / renewal fee** | ₹750 + GST, same on renewal |
| **Network** | Visa |
| **Base reward rate** | **Not published by the issuer** |
| **Reward currency** | SpiceClub Points, valued at ₹0.5 each |
| **Lounge access** | 1 domestic visit per quarter (4 a year) |
| **Forex markup** | 3.5% |
Reward Structure: How You Earn
No general earn rate is published for this card in Axis's captured material. Any structured comparison will show 0%, which is a placeholder for unknown — not a statement that the card earns nothing. Ask Axis directly before relying on it either way.
SpiceClub Points are valued at ₹0.50 here, which is an estimate — SpiceJet publishes no rupee conversion. The figure is set level with IndiGo BluChips so the two domestic-airline co-brands stay comparable with each other.
| Spend | Effective rate |
|---|---|
| Everything else | 0.0% |
| Fuel, rent, wallet loads, government, gaming | **0%** |
Points are credited to a separate SpiceClub account, not to the card, and take up to 30 working days after statement generation. SpiceClub's own terms govern them, not Axis's — so validity, expiry and redemption are outside the bank's control.
Milestone Benefits
| Spend | Benefit | Value |
|---|---|---|
| ₹1 lakh a year | 2,000 SpiceClub Points | ₹1,000 |
| ₹2 lakh a year | 3,000 SpiceClub Points | ₹1,500 |
Category Restrictions: Where You Won't Earn
- Where you earn nothing: Earns nothing at all: fuel; rent (MCC 6513); wallet loads (MCC 6540); government institution transactions (MCC 9222, 9311, 9399, 9402); cash withdrawals; EMI conversions; gift card purchases and toll, bridge and road fees (both excluded w.e.f. 28 August 2026); and fees, charges, GST and reversals. Insurance, utilities, telecom, education and jewellery are excluded on some cards only — the per-card notes say which.
- Point expiry: EDGE Reward Points and EDGE Miles expire 36 months from the date of accrual unless the card's own terms say otherwise. Points are forfeited if the card is closed, and a NEGATIVE point balance at closure is converted to a statement debit the cardholder must pay.
- Redemption fee: ₹199 per redemption.
Fees and Charges
| Charge | Amount |
|---|---|
| Joining fee | ₹750 + GST |
| Renewal fee | ₹750 + GST |
| Finance charges | 3.75% per month (55.55% per annum) on extended credit and cash advances. |
| Interest-free period | Up to 50 days from the date of purchase, only when the previous month's balance is paid in full. |
| Minimum amount due | 5% of the total amount due, subject to a minimum of ₹200, plus any EMI, fees, charges, interest and over-limit amount. |
| Cash advance fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Cash advance interest | 3.75% per month (55.55% per annum), charged from the date of withdrawal with no interest-free period. |
| Forex markup | 3.5% of the transaction amount. |
| Dynamic currency conversion | 1% of the transaction amount. |
| Late payment | Nil up to ₹500 of total payment due; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for ₹10,001–₹50,000; ₹1,300 above ₹50,000 w.e.f. 28 August 2026. An additional ₹100 applies if the Minimum Amount Due is missed for two consecutive cycles, and continues every cycle until cleared. |
| Overlimit | 2.5% of the over-limit amount, minimum ₹500. Charged only where the cardholder has explicitly consented to the over-limit facility. |
| Payment return | ₹500 per instance of cheque return, dishonour, auto-debit reversal, standing instruction failure or NACH failure. |
| Rent payment | 1% of the transaction amount plus GST on each rent payment identified through MCC 6513. |
| Fuel transactions | 1% plus GST of the transaction amount, charged only once total fuel spend in a statement cycle reaches ₹50,000. Fuel is identified through MCC 5172, 5541, 5542 and 5983. |
| Card replacement | ₹100 per replacement card. |
| Add-on card | Nil. |
| Reward redemption | ₹199 plus GST per redemption transaction on the EDGE portal, and ₹199 plus GST per instance of converting or transferring EDGE Reward Points or EDGE Miles to a partner loyalty programme. |
| EMI processing | Charged per the EMI scheme selected. Card cancellation forecloses any active EMI and attracts foreclosure charges plus GST. |
| GST | 18% on all fees, interest and charges. |
Is the SpiceJet Axis Bank Voyage Credit Card Worth It?
The milestones are the card. ₹100,000 of annual spend earns 2,000 SpiceClub Points and ₹200,000 of annual spend earns 3,000 SpiceClub Points — roughly ₹1,500 at the estimated valuation, against a ₹750 fee.
Without a published earn rate, the card cannot be compared properly against anything else. That is unusual for a live product and it should make you cautious rather than dismissive.
The lounge access is the dependable part: 4 complimentary domestic lounge visits a year, subject to a minimum spend.
No fee waiver is published.
If you fly SpiceJet rarely, there is nothing here — the points have no use outside SpiceJet bookings.
Frequently Asked Questions (FAQs)
What is the SpiceJet Axis Bank Voyage Credit Card earn rate? Axis does not publish a general per-rupee accrual rate for this card — only the milestone and renewal awards. Ask the bank directly.
What are the milestones? ₹100,000 of annual spend earns 2,000 SpiceClub Points; ₹200,000 of annual spend earns 3,000 SpiceClub Points.
What is a SpiceClub Point worth? SpiceJet publishes no rupee rate. This review uses ₹0.50 as an estimate, set level with IndiGo BluChips for comparability. Treat it as indicative only.
Where do the points go? To a separate SpiceClub account, within 30 working days of statement generation. SpiceClub's own terms govern them.
Is there a fee waiver? None is published.
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